Marco Rita is a financial advisor with Raymond James Financial in Somerville, NJ, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes 12 years at PNC Investments and ongoing roles at Fulton Bank and Raymond James Financial Services, Inc. Outside of his advisory work, he is involved in rental real estate ownership. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through unique affiliations and specialized advisory programs.

Frank Belfiore Loconte is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2021, following seven years at TDAmeritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Inderjit Singh is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in helping clients structure customized financial strategies and investment programs designed to achieve retirement, college, and estate planning goals. Inderjit has extensive experience assisting individuals during periods of financial transition, particularly those who are retiring or changing jobs, by outlining available options and developing strategies consistent with their personal financial goals. Since joining Merrill Lynch in 2006, Inderjit utilizes the firm's resources to work with clients on personalized wealth strategies emphasizing asset allocation and diversification. He also supports small businesses and business owners with retirement planning, financing, and cash management. Inderjit holds a Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards Inc. and a Certified Investment Management Analyst (CIMA) designation. He earned both his Bachelor's and Master's degrees in Finance from California State University East Bay. Inderjit resides with his family in Princeton, New Jersey. Outside of work, he enjoys listening to podcasts and audiobooks, and maintaining physical fitness through activities such as CrossFit. He has been involved in the CrossFit community for over eight years. Inderjit's interests also include hiking with his family, and sports such as baseball, chess, football, golfing, music, reading, running, soccer, tennis, and yoga.

Travis Jacobson is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Merrill since 2013. Outside of his advisory role, he owns a rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elizabeth Burton is a Series 66 licensed financial advisor with Merrill in Pennington, NJ. She has 12 years of industry experience and has been with Merrill Lynch, Pierce, Fenner & Smith since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Urmi Parikh is a Financial Services Advisor (FSA) with Merrill Lynch Wealth Management. In this role, she focuses on connecting clients to tailored financial plans and strategies that align with their individual ambitions and priorities. She works with clients to address various personal financial goals, including funding education, planning for retirement, managing potential health care costs, and developing long-term family financial strategies. Urmi holds the Professional Investment Advisor (PIA) designation and earned her bachelor's degree from the University of North Carolina System. Her approach centers on simplifying the complexities of investing, ensuring transparency, and creating personalized strategies that reflect each client’s unique perspectives and priorities.

Kelly Nilsen is a financial advisor with Merrill in Princeton, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Merrill Lynch since 2000. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jean Marie Foreman is a financial advisor at Merrill with Series 63 and Series 66 credentials and six years of industry experience. Her work history includes roles at Merrill since 2019 and Bank of America, N.A. since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Timothy Kent is a Series 66-licensed financial advisor at Merrill with 18 years of industry experience. He has worked at Merrill Lynch since 2008 and Bank of America, NA since 2009. Outside of his advisory role, he is the owner of the Kent Family Gift Fund, a donor-advised charitable organization funded by him and a family member that donates to various authorized charities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Owen Black is a financial advisor at UBS Financial Services with five years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank. Owen has a Series 66 designation and is based in Princeton, NJ. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.

Rugmini Padmakumar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 15 years. She holds a Series 66 designation and serves as a board member for the charitable organization Mantrah. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including educational seminars and event-driven planning such as divorce and estate settlement.

Kharmia Powell is a Wealth Management Advisor with Merrill Lynch Wealth Management. She leads a team that assists individuals and families in identifying their financial goals and implementing tailored wealth management strategies. Her work includes collaboration with other family advisors on estate planning matters, such as strategic philanthropic giving. Prior to joining Merrill Lynch in 2001, Ms. Powell was a bond analyst at J.P. Morgan Securities in New York. Before her tenure at J.P. Morgan starting in 1994, she served as president of an international management consulting firm based in New York City. Ms. Powell holds a Bachelor of Arts degree from Smith College and has studied law and finance at the University of Pennsylvania Law School and New York University Stern School of Business. She holds the Certified Private Wealth Advisor (CPWA) designation and a Personal Investment Advisor (PIA) designation, maintaining ongoing education in finance and ethics. Ms. Powell has served on the board of directors of the Gift Planning Council of New Jersey, a professional organization dedicated to education and training in philanthropy. Her approach emphasizes collaboration to create personalized financial plans aligned with clients’ life priorities, family goals, and aspirations.

John Bondea is a financial advisor at Wells Fargo Advisors in Princeton, NJ, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked with Wells Fargo Advisors since 2013 and also owns and operates J Bondea Wealth Management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services across a broad range of areas, including retirement, education, risk, and wealth-transfer planning. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Yan Pollack is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Asset Management and Goldman Sachs. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and comprehensive investment research.

Eric Schwam is a financial advisor with UBS Financial Services in Marlboro, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to a wide range of investment products supported by proprietary research and institutional trading capabilities.

William Trudell is a Series 66-credentialed financial advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

Stephen Council is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he is the owner of PBD Productions, a photography and videography business, and serves as an officer delivering magazines for The Positive Community Magazine. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Osman is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2010. Outside of his advisory role, Osman is involved with the Shimon D. Sarah Birnbaum JCC and Match Fit Academy. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ashwin Mudiraj is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2017. Prior to his financial services career, he held roles at Aloha Grove Surf Shop and attended Drew University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.